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El Niño threat exposes insurance sector gaps
As Malawi braces for another potentially severe climate shock, the insurance industry says agricultural insurance remains largely untapped, with crop and other agricultural cover accounting for less than 10 percent of the market. Insurance Association of Malawi President Wales Meja said motor insurance continues to dominate the market, despite agriculture’s central role in Malawi’s economy and the vulnerability of farmers to adverse weather conditions. “Agricultural insurance uptake in Malawi remains relatively low, accounting for less than 10 percent of the insurance market. Motor insurance continues to dominate the market,” Meja said. He noted that agriculture in the country is largely driven by subsistence farmers, many of whom cannot afford insurance premiums on their own and require continued support from the Government and development partners through premium subsidies. This comes as concerns grow over the potential economic effects of the forecast Super El Niño , which is expected to hit Malawi in the next agriculture season, which could disrupt production and expose the country to further financial pressure. The African Development Bank estimates that the phenomenon could wipe out up to $20 billion globally. However, Meja said insurers were prepared to respond to major climate shocks through reinsurance arrangements and risk-sharing with other players locally and internationally. However, he said the effects of a major agricultural shock would extend beyond insured farmers. Agriculture policy analyst Tamani Nkhono Mvula said the majority of Malawi’s farmers were subsistence producers, making conventional insurance difficult to apply. “Insurance should cover what is commercial. So, it’s commercial farmers that should be thinking of insurance,” Mvula said. He also cited information gaps among farmers, in terms of specific insurance packages for the farmers and what kind of benefits the farmers are going to get. Economist Marvin Banda said the country should embrace agriculture insurance saying Malawi’s dependence on rain-fed agriculture made climate shocks an economy-wide risk. “The El Nino is an economic warning for us because agriculture employs over 80 percent of the population. So, the less than 10 percent market coverage should concern policymakers. “Most importantly, however, we should ask what happens to the other 90 percent when the rains fail,” Banda says. Malawi has already demonstrated the potential of insurance as a mechanism for cushioning vulnerable households from climate disasters. In August 2024, African Risk Capacity and African Development Bank provided the Malawi Government with a $11.2 million insurance payout following El Niño-induced drought. The payout was meant to support more than 350,000 households through food assistance and cash transfers. Meanwhile, the Ministry of Agriculture is set to undertake work on Index- Based Crop Insurance, Market Development and Delivery in Malawi, under the Africa Disaster Risk Financing Programme financed by the African Development Bank, according to information published in yesterday’s The Daily Times paper .
2026-08-18 13:04:52

Sewero Lopukutsa: A play for special needs
Deschamps speaks to one of the special needs children On a Friday, people congregated at Chigumula in Blantyre to witness the official opening of a physiotherapy clinic aimed at bridging a gap for inadequate specialised treatment spaces in the country. The community was jolly; mothers with children with physical challenges were excited simply because they would no longer travel that long distance to seek rehabilitation services. At the heart of the celebration came a sketch from mothers with children with physical disabilities. The mothers had a story to tell but in a simple way and to them, drama was the right discipline to use. For others, who are into drama, they have had to perfect their craft through the corridors of the university. But these mothers had not been to any university to learn the drama skills let alone attending any drama workshop, they used their own inborn abilities to create a production that left a mark. Did they rehearse comprehensively to come up with the sketch or did they use any script for it, they simply did not but rather they rode on a production known as sewero lopukutsa in Chichewa. This is a production where actors simply just come up with a topic followed by giving each other roles without following the script. This is what the mothers did to reach out to the gathering with a sketch that exposed the tendency of other mothers who lock their children with special needs in the house. In their drama, the showed the audience which included the guest of honour from Malawi Against Physical Disability (Map) that art was an important vehicle for disseminating important messages. Through their play, they educated fellow mothers that children with special needs need to be treated with all the love just like all other children and not locked in the house. The mothers even went an extra mile to tell it all in the sketch that children with special needs also deserve to go out and play with fellow children let alone being sent to school to attain education. In one of the scenes, a mother with a special needs child, tells a fellow mother with a special needs child that “she does not have to bother herself with such a child but rather lock him or her for her own freedom”. “Look at me, I have nothing to worry, a special needs child is such a problem and that is why I just lock her up in the house and that gives me all the time to do all my errands,” she said. But the other one sat her colleague down saying she was wrong as children with special needs have rights just like all other children. The climax of the production was when the two mothers came together to share notes on how to take care of special needs children including making routine visits to physiotherapy spaces for their rehabilitation. The mothers made the production sweeter when they signed off with a song that united them to speak with one voice earning praise from the audience. “We have never gone to any drama school or college to learn this; I can just say that it is inborn. As mothers with children with special needs, we always meet where we sing songs and at times even share ideas on businesses,” Irene Rajabu, said. She said with the opening of the physiotherapy clinic, they decided to celebrate it with a play which to them was easy to connect with the gathering but also relay the message. “Children with special needs encounter several challenges and in most cases miss out on opportunities because they are locked in homes with no movement,” Rajabu said. Margret John, who also has a special needs child and has been taking her for physiotherapy until now, said as mothers they were happy to play a lead role in utilising art to tell stories from the community and also express themselves. “We do not have proper platforms to reach out to people in authority with the challenges we face in communities and so, when we get opportunities like these especially in a play, we express ourselves,” John said. IMPRESSED—Nyirenda Map Chief Executive Officer Mike Nyirenda, who bemoaned inadequate specialised treatment spaces in the country such as physiotherapy which he said is crucial in rehabilitation, said he was short of words with the production the mothers presented. “There was no addition or subtraction in their production, they presented the issue the way it is. There are cases out there of families or mothers locking special needs children in the house. The women could not have told it better than through a play,” Nyirenda said. He said art will always take a lead role in being used as a tool for disseminating special needs issues in order to bring about change. “Women are good story tellers and the production they presented was powerful. Women need to be empowered to tell their stories and I am happy to see them rising to tackle such an issue. You could see that people enjoyed the play which offered entertainment but also at the same time spoke to them with an important issue,” Nyirenda said. He went on to commend Jacaranda Foundation for its investment in a Physiotherapy Unit which he said is more than a building equipped with modern equipment. “Recovery extends beyond treating physical symptoms and that having more rehabilitation facilities for children is a proper way of offering support, guidance and resources they need to regain function and reclaim their lives as shown by the women in the production,” Nyirenda said. He said in line with Malawi Health Sector Strategic Plan III 2023 -2030, the opening of the physiotherapy clinic it meant that the country was moving towards Universal Health Coverage. “This is not merely an investment in healthcare infrastructure but rather it is an investment in people, families and the future well-being of our nation hence the women taking a role in using drama to speak about it,” Nyirenda said. The clinic’s physiotherapist Lusungu Mtawali Tembo said the clinic which has spacious space will provide extra service apart from physiotherapy. “The clinic will provide physiotherapy services to children and also offer mothers with training. Going forward, we are also looking into other fields such as occupational therapy and speech,” she said. Mtawali Tembo said at the moment they attend to 70 children with disability every month with the most common cases being cerebral palsy and hydrocephalus. “When the women come for special needs rehabilitation for their children, they discuss so many issues and drama has always been part of their bill. It is an easy discipline for them when it comes to expressing themselves,” she said. Jacaranda Foundation Executive Director Luc Deschamps said the clinic was born in 2018 after seeing that more children were coming to the school with special needs. “But being a school, we could not offer the services until later when we decided to help the community. We started with a small room but now with support from Michele Ader and William Green from United States of America and other stakeholders, we have expanded the space,” Deschamps said. He said just as Jacaranda loves the arts where at their school they let fly the students to utilise their talents, they also encourage people in the community to do the same. “What the women presented today is something special. A massive production that spoke directly to the audience,” Deschamps said. Founder of Jacaranda School for Orphans Marie Da Silva said over the years, they have seen change in a lot of special needs children and that she was happy that women were helping out to bring about change through art. “We have had children who were not walking let alone doing anything but through physiotherapy and other rehabilitation services, their lives have changed,” she said. Da Silva said she was touched with the play that the women presented and that she shade tears. “To see these women act in such a way and present to the people such important issues especially talking about special needs is something that melted my heart. We need to tell these stories but we can tell them better through the talents that we have,” she said.
2026-08-09 15:42:17

Wanderers in tricky Caf draw
Mighty Wanderers have been handed a tricky draw in the 2026-27 Caf Champions League first preliminary round. The Nomads will face Tanzanian former champions Simba Sporting Club, according to the draw conducted at the Confederation of African Football (Caf) headquarters in Cairo, Egypt, Thursday. The winner between Wanderers and Simba will face either Angola’s De Agosto or Comoros side Fomboni in the second preliminary round. This will be Wanderers’ first meeting with a Tanzanian side in the Caf Champions League in recent times. For Simba, it will be their second encounter against a Malawian team in four years after eliminating FCB Nyasa Big Bullets in 2022. Simba defeated Bullets 4-0 on aggregate after winning both legs 2-0. The fi rst leg of the preliminary round will be played between September 4 and 6 at Bingu National Stadium before the return leg at Benjamin Mkapa Stadium in Dar es Salaam, Tanzania. The second preliminary round matches are scheduled for October 16 to 18, with the decisive fixtures taking place between October 23 and 25. Wanderers coach Bob Mpinganjira was not available for comment yesterday. However, director of football David Kanyenda said last week that their target was to reach the group stage. The Nomads have never reached the group stage of the competition, although FCB Nyasa Big Bullets achieved the feat in 2004 under coach Kinnah Phiri. Silver Strikers came close to reaching the group stage but were eliminated in the second round after losing 2-1 on aggregate to Tanzanian side Yanga SC. Last year, Wanderers participated in the Caf Confederation Cup but were eliminated after losing 7-6 on penalties to Botswana’s Jwaneng Galaxy following a 1-1 aggregate draw. In 2018, they took part in the Caf Champions League but exited in the first preliminary round after a 6-1 aggregate defeat to Democratic Republic of Congo side AS Vita.
2026-08-07 11:59:15

Nico Group proud of Ascent achievements
Nico Group has expressed satisfaction with Ascent Soccer Academy’s achievements during its recent European tour. The company’s Group Head of Marketing and Customer Experience, Taweni Gondwe Xaba, said this after the team returned from Sweden and Iceland yesterday. She said Ascent’s achievements represented success for the country as a whole. “The achievements prove that the future of Malawian football is bright and in capable hands. You have shown every young boy and girl across the country that no dream is too big when talent meets discipline, hard work and opportunity,” she said. Gondwe Xaba said Nico was pleased that its partnership with Ascent had already started producing results. “As Nico Group, we do not take these accomplishments lightly. When we partnered with Ascent Soccer Academy, we invested in a vision of transforming lives through sport and creating opportunities for young people to shine on the global stage. You have reaffirmed that this vision is becoming a reality,” she said. Ascent director Mark Swerk said the tour provided valuable exposure for the players. “We are happy with the performance of the teams. They represented Malawi very well,” he said. Boys’ captain Favour Mwiba said the European trip was an eye-opener. Ascent Under-14 boys won the 2026 Rey Cup after beating Selfoss 2-0 at Iceland National Stadium last month. The Under-16 girls finished second after losing 4-0 to Bayern Munich at the same venue. Ascent also participated in the Gothia Cup in Sweden. The academy signed a three-year sponsorship deal worth K900 million with Nico Group last month.
2026-08-07 11:47:36

Overloading interns: When unpaid work becomes an unfair labour practice
BENI—The law protects interns from exploitation By Godfrey Kenneth Beni: A Malawian organisation assigned work meant for higher-grade employees to a group of interns. This was work that was clearly meant for higher-grade employees. The interns were overloaded with tasks. They worked long hours. They were paid as interns — but they performed the duties of staff associates. They took their employer to court. On October 2, 2025, the Industrial Relations Court delivered a judgement that every employer who uses interns must study. The court found that overloading interns with work of a higher grade constitutes an unfair labour practice. The employer was ordered to pay salary-difference damages, calculated by comparing the interns’ pay to that of staff associates, and to pay lump-sum damages for the unfair labour practice. The court also ordered the employer to produce its salary scales to allow the court to assess the correct comparator. The court did not award notice pay, but the message was clear: employers cannot use interns to perform work that should be done by paid, permanent employees. The right to fair labour practices is enshrined in Section 31 of the Constitution of Malawi. It states that “every person shall have the right to fair and safe labour practices and to fair remuneration”. The Employment Act reinforces these rights through provisions on unfair dismissal, discipline and minimum standards. The Employment Act does not define “internship” in court-specific detail. But the courts have made clear that the substance of the employment relationship matters more than the label. On August 11, 2025, the Industrial Relations Court delivered a related ruling that every employer should study: successive renewals of an internship converted it into employment, and dismissal and wage deduction were unlawful under the Employment Act. The employer was required to comply with sections 57, 59 and 61 of the Employment Act on dismissal procedures and Section 52 on wage deductions. This ruling confirms that internship status is not a licence to avoid employment obligations. If an intern is renewed repeatedly, they may become a permanent employee—with all the accompanying rights. The Employment Act defines an “employee” as a person who offers services under a contract of employment, whether oral or written, express or implied. The definition also includes a person who is economically dependent on the employer and under an obligation to perform duties—a test that captures many interns who perform substantive work. The August 2025 ruling also confirms that successive renewals of a purported fixed-term internship can trigger Section 28(3) of the Employment Act, which converts fixed-term contracts into indefinite contracts if they are used to fill a permanent role. If you are an intern being overloaded with work or exploited, you should know your rights. Keep records. Document your duties, hours and responsibilities. If you are performing work that should be done by a higher-grade employee, keep evidence. If you are repeatedly renewed, you may be an employee. The August 2025 ruling confirms that successive renewals can convert an internship into employment. If you have been renewed multiple times, you may be entitled to unfair dismissal protections. Seek legal advice if you believe you are being exploited. Contact the District Labour Officer, a trade union, or a legal practitioner. The October and August 2025 rulings show that the court takes internal exploitation seriously. If you are an employer who uses interns, the October and August 2025 rulings have significant implications. Do not overload interns with work of a higher grade. If an intern is performing the duties of a staff associate, they should be paid as a staff associate. The court will compare their pay to that of higher-grade employees and order back pay. Do not use successive renewals to avoid employment obligations. An intern who is renewed repeatedly may become a permanent employee under Section 28(3). This triggers unfair dismissal protections and wage obligations. Ensure fair treatment. Section 31 of the Constitution guarantees fair labour practices to every person— including interns. Overloading, underpaying or exploiting interns is an unfair labour practice. Keep proper records. The October 2025 ruling ordered the employer to produce its salary scales to allow the court to assess the comparator. Employers who cannot produce such records may be at a disadvantage. The interns in the October 2025 case were paid as interns—but they worked as staff associates. The court found that this was an unfair labour practice. They were awarded salary-difference and lump-sum damages. The interns in the August 2025 case were repeatedly renewed. The court found that this converted their internships into employment. They were entitled to unfair dismissal protections. The law protects interns from exploitation. The Constitution guarantees fair labour practices to every person. The Employment Act provides remedies for unfair dismissal and wage violations. The question is not whether interns have rights—they do. The question is whether employers will respect them— or face the consequences. *The author is a Human Resource Practitioner Feedback: kennethbeni35@gmail.com MADE RULINGS—The court
2026-08-07 11:42:39

Madalitso, Alleluya Bands back this month
Madalitso and Alleluya bands continue to make strides outside the country and have to this far held over 50 gigs each before their return this month. The two bands left the country separately in May and have been engaged in shows and other activities. Madalitso Band, the duo of Yosefe Kalekeni and Yobu Maligwa has held performances in France and United Kingdom among others, before making their debut outing in Canada last weekend. Co-manager Neil Nayar said Thursday they have had fruitful gigs in Europe before their performances in Canada. “It has been a good outing, flying Malawi’s flag; we are excited and looking forward to more of such performances,” Nayar, who is also a musician, said. The group which is expected to perform at this year’s Lake of Stars Festival is also set to perform in South Korea and Japan with five gigs lined up before coming back on August 29 2026. In Italy, Alleluya Band has held 59 gigs with the last show Saturday. “It has been a great outing because we have managed to utilise the performances to raise funds for different projects at Andiamo. We also had a special meeting with the Pope,” Alleluya Band leader Paul Subili said. The group is expected back home on August 11 2026. He said upon their arrival in August, they will continue with preparations for the golden jubilee of Father Mario Pacific, one of the founders of Alleluya Band. “We will also commence preparations for our 50th anniversary next year,” Subili said.
2026-08-07 11:38:51

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